All the news for self-employed workers and SMEs in 2025

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2025 is about to begin and if you are an entrepreneur you will want to know the news that affects self-employed workers and SMEs . There are quite a few changes coming, so we are going to explain all the news for next year.

Changes in the self-employed quota for 2025
One of the big news for self-employed workers in 2025 has to do honduras phone number lead with their contribution. Keep in mind that from January 1, the contribution system for self-employed workers will change as a new contribution system is being implemented that takes into account real income.

self-employed quotes 2025
With this, the lowest brackets (between less than 670 and 1700 euros) will have a reduction in their self-employed quota, while those who earn more than 1700 euros per month will have an increase , as seen in the table.

Between the end of the year and the beginning of 2025, the self-employed will be regularised in their Social Security contributions. The idea is that before April 2025, the contributions for 2023 will have been regularised in accordance with the actual income declared.

To this end, Social Security has already started to assess the income declared in 2023 for the RED system managers. If you have overpaid, you can request a refund or maintain the higher contribution base to receive better benefits.

And between January and February 2025, Social Security will proceed to return money to those self-employed workers who have paid contributions above their actual income . Finally, between March and April 2025, notifications will be sent to those self-employed workers who have paid less than they should have, to pay the corresponding amount or request a deferral.

Continuing with the news on self-employed contributions for 2025, keep in mind that the Intergenerational Equity Mechanism (MEI) will go from the current 0.7% to 0.8% of the contribution base .

News for self-employed workers in 2025: retirement age
There are also changes to the retirement age for self-employed workers in 2025. Now, to retire at 65 years of age with 100% of the regulatory base, it will be necessary to have contributed for at least 38 years and 3 months. In this way, the required period is increased until 2024, which was 38 years.

active retirement pension application
You may also be interested in: How to calculate your retirement as a self-employed person: what you need to know

In addition, there are changes in the requirements. Previously, retirement at age 65 was possible if you had completed 38 years of contributions, or at age 66 and 6 months if you had not reached that figure .

But in 2025 there are changes in the retirement of self-employed workers: if you do not meet the new requirement of 38 years and 3 months, you will have to wait until you are 66 years and 9 months old to be able to retire with the maximum pension . A regulation that requires better organization of contributions in order to be able to access full retirement.

The mandatory electronic invoice arrives
Finally, another of the new features coming this 2025 for self-employed workers is the obligation to issue electronic invoices. Check out our guide where we tell you everything you need to know about electronic invoicing with Verifactu .